Determining the right amount of life insurance coverage is an important decision, and Clark Howard, a well-known consumer expert, has some recommendations on this topic. According to Clark Howard, the amount of life insurance you need depends on several factors, including your income, debts, and financial goals. Clark Howard suggests having life insurance coverage that is equal to 10 times your annual income. This is a general guideline that can help provide financial security for your loved ones in the event of your death. However, it's important to note that everyone's situation is unique, and you may need more or less coverage depending on your specific circumstances. For example, if you have significant debts or dependents with special needs, you may need more coverage. On the other hand, if you have few financial obligations and a strong financial safety net, you may need less coverage. It's also worth considering any existing life insurance coverage you may have through your employer or other sources. Clark Howard recommends reviewing your coverage regularly to ensure it aligns with your current financial situation and goals. Keep in mind that life insurance is a personal decision, and it's always a good idea to consult with a financial advisor or insurance professional to determine the right amount of coverage for your needs.